Can anyone advise me what the best course of action to take. I am in credit card debt along with a lot more debt. Have lost a business, am on JA and am managing but struggling to pay mortgage. No money left over as I'm trying to put a small bit by each week in cu to cover next years car ins, tax etc. I have received a letter from "intrum justitia which are debt collectors for boi cc. They have given 5 days to pay in full or ring and arrange payment method. One I havent a hope of paying off in full and two at the moment i can't arrange any payment method as no matter what I agreed, when all debts come to the surface, I will never be able to keep up payments. My gut instinct is never ignore debts, but my head is saying if I ring they won't want to hear anything but how much I am going to repay each week. I know and understand they will not be in any way interested in my circumstances but what should I do.